Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I took a loan out with HFC in 1999 for 7800 of which including interest and the PPI it worked out to be 11800 in the end.
I ran into some difficulty a few years later and made an arrangement to pay off the loan, so long as the interest was stopped (which the did).
I was told to cancel the PPi which I did (in 2005/May). I have only 1300 to pay as of this month but would like to get rid of the debt sooner if i find that I can claim the PPi payments back.
I am yet to look at the documents (i have the original contract) some i'm not sure of the facts.
The last time I tried to reclaim charges, HFC completely blanked me and I gave up. With the PPi I wount be giving up easily at all.
What I need to know is what the way forward should be with this claim.
do I just fire off the SAR nad if so, do you guys have a template for PPi claims?
HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too 2008
RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006
Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008
Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for £380 31/10/06: Offer to credit £128 to clsd A/C: Offer rejected and claim continued 07/11/06 Settled Nov 2006
CitiVisa:S.A.R -17/10/06.Rqst for ID rcvd. 23/10/06 ID sent with cheque 31/10/06:Statments Rcvd 20/11/06. Prem letter sent 20/11/06 Settled Nov 2006
Zzed V HFC
and the PPI
2008
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